Not in the market?

Why not? With so many ways to painlessly get into the stock market without having to be a financial expert, I don't understand why so many people still shy away. Here are three ways to help you stay informed and get in the market for the long haul.

Subscribe to a business newspaper. The Wall Street Journal is an invaluable assett to have when trying to keep yourself informed. Yes it has one section that is filled with numbers but don't let that scare you. It also has alot of in-depth stories concerning politics, international news, personal investing and other worthwhile stories that all (in some way) affect the rate of return on your investments. Just glancing at the headlines each day and reading the stories that interest you will help you stay ahead of the curve act accordingly with respect to your investments before many other people do. Usually, when you are ahead of the crowd with your investments, the crowd will carry you to higher rates of return. Think of being in the ocean and catching a wave early and riding it to shore.

Get in your company's 401(k) today. If you're not already in the 401(k) plan, get in today. Contribute the maximum allowed by your company. In most cases, your company will match a certain percentage of your contribution. THAT IS FREE MONEY. WHY AREN'T YOU TAKING ADVANTAGE OF THAT???? Your participation shouldn't cost you anything and experts manage your money for you. In most cases today, there are investment experts who will counsel you on how to invest your monthly contribution.

Start your own monthly investment in a simple savings account at the bank. With interest rates on the rise and internet banks competing with their brick-and-mortar counterparts, the return on simple savings accounts are difficult to ignore. A great place to invest your cash is in a savings account with Citibank® e-Savings. Earn 5.00% APY and you can set up a monthly automatic transfer out of your regular checking account into your e-savings account. Before you know it, you'll have a nice chunk of money to start a mutual fund with or invest in an IRA.

What are you waiting for? Take advantage of the opportunities that are out there and put some money back for when you retire. You'll be glad you did.